CARPE
ActiveCARPE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €71k and a net result of €9k. Equity is growing by ~37% per year across the filed fiscal years. Its solvency ranks better than 69% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▼-37
Solvency97▼-2
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.27 in 2023), and 43.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
56.5%
Return on assets
7.2%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
43 d early
2023
51 d early
2022
33 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€71k▲ 14.5%
2023 · €62k
2022: €25k
2023: €62k
2022 → 2024
Total assets
€125k▲ 22.3%
2023 · €102k
2022: €62k
2023: €102k
2022 → 2024
Net result
€9k▼ 69.9%
2023 · €30k
2022: €22k
2023: €30k
2022 → 2024
Working capital
€61k▲ 20.7%
2023 · €50k
2022: €11k
2023: €50k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€25k-€62k▲ 147%€71k▲ 14.5%
Operating result€34k-€46k▲ 37.3%€16k▼ 65.3%
Net result€22k-€30k▲ 35.2%€9k▼ 69.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 65% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €125k
Fixed assets
€13k▲ 9.4%
Current assets
€112k▲ 24.0%
Equity and liabilities €125k
Equity
€71k▲ 14.5%
Debt
€54k▲ 34.1%
The debt ratio rises from 39.6% to 43.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€21k▼
2023 · €51k
Cash flow
€14k▼
2023 · €34k
Solvency
56.5%▼
2023 · 60.4%
Current ratio
2.19▼
2023 · 2.27
Quick ratio
2.19▼
2023 · 2.27
Debt / equity
0.77▲
2023 · 0.66
ROE
12.7%▼
2023 · 48.2%
ROA
7.2%▼
2023 · 29.1%
Interest coverage
4.74▼
2023 · 16.54
Debt
€54k▲
2023 · €41k
Debt ≤ 1 year
€51k▲
2023 · €40k
Income taxes
€6k▼
2023 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€102k€125k▲
Fixed assets21/28€12k€13k▲
Tangible fixed assets22/27€12k€13k▲
Plant, machinery and equipment23€9k€9k▼
Furniture and vehicles24€3k€4k▲
Financial fixed assets28-€290
Current assets29/58€90k€112k▲
Amounts receivable within one year40/41€22k€80k▲
Trade receivables40€3k€37k▲
Other amounts receivable41€18k€43k▲
Current investments50/53€27k€27k=
Cash at bank and in hand54/58€40k€3k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€102k€125k▲
Equity10/15€62k€71k▲
Contributions10/11€10k€10k=
Reserves13€52k€61k▲
Distributable reserves133€52k€61k▲
Amounts payable17/49€41k€54k▲
Amounts payable within one year42/48€40k€51k▲
Trade debts44€461€3k▲
Suppliers440/4€461€3k▲
Taxes, remuneration and social security45€430€2k▲
Taxes450/3€430€2k▲
Other amounts payable47/48€39k€46k▲
Accrued charges and deferred income492/3€785€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€354€435▲
Gross operating margin9900€51k€21k▼
Operating profit (loss)9901€46k€16k▼
Financial income75/76B€613€3k▲
Recurring financial income75€613€3k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€44k€15k▼
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€30k€9k▼
Profit (loss) for the period to be appropriated9905€30k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€9k▼
Transfer to equity691/2€30k€9k▼
To other reserves6921€30k€9k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €9k ▼69.9%
Net result drops to €9k, the lowest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €30k ▲35.2%
Operating result €46k, net result €30k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lennik · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bossuitstraat 81750 LennikGround area
1,568 m²
Building footprint
175 m²
Parcel 23075B0329/00X000, Flanders. Linked by address, not a title deed.
1 establishment unit
WinFinImmo
since 20212.322.096.460
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23075B0329/00X000 | Flanders | 1,568 m² | 1 · 175 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500T2XVELYM8OLI48
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BUREAU D'AFFAIRES F. LACROIX
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MIROIR IMMOBILIER
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COMMISSARIS IMMO
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ALDIGO
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 5,056 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2021
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.